If you’ve been driving for a while without making a claim, chances are you’ve already built up this benefit. But many drivers don’t fully understand how it works, how to protect it, or what happens if they need to switch insurers.

Understanding How a No Claims Bonus Works

A common question drivers ask is “what is no claims bonus and why does it matter so much?” In simple terms, it’s a reward insurers offer for safe driving. Each year you drive without making a claim, you earn a higher level of discount on your policy.

The meaning of a no claims bonus is straightforward: fewer claims usually mean lower risk, and insurers pass some of that saving back to you. Over time, this can significantly reduce your premium compared to a driver with little or no driving history.

According to Citizens Information, this bonus is linked to the driver rather than the vehicle. This is why it’s often transferable when you change cars or insurers.

How Much Can You Save?

As your years build up, the savings can become substantial. Many drivers see their premium drop year after year thanks to their no claims bonus, making long-term safe driving one of the most reliable ways to cut insurance costs.

This is often referred to as a no claims discount, and the value can vary between insurers. While there’s no fixed percentage across the industry, drivers with several claim-free years are generally seen as lower risk and rewarded accordingly.

Protecting Your Bonus After a Claim

Even careful drivers can have an accident, which is why no claims bonus protection is worth considering. This optional add-on allows you to make a limited number of claims without losing your entire bonus.

With no-claims bonus protection, you may still see some increase in your premium after a claim, but you won’t be starting again from scratch. This can be particularly useful for drivers who’ve built up several years of claim-free driving and want peace of mind.

Switching Insurers or Providing Proof

If you change providers, you’ll usually need proof of no claims bonus to confirm your driving history. This is typically provided by your current insurer and shows how many claim-free years you’ve earned. Also, many drivers moving back to Ireland from overseas – whether from the UK, EU countries, or places like Dubai – will find that providing evidence of their driving history abroad can sometimes help retain their no-claims bonus and lower the cost of their next policy.

The Competition and Consumer Protection Commission (CCPC) offers practical guidance on car insurance, including tips for switching providers and understanding your rights.

Your no claims bonus can often be transferred, helping you shop around without losing the benefits you’ve earned.

To learn more about transferring insurance from one car to another, check out our blog.

Why It Still Matters Long-Term

Keeping your bonus intact can help balance rising insurance costs and gives drivers more control over their premiums. Maintaining a clean driving record, avoiding unnecessary claims, and choosing optional protections wisely all play a part.

Your no claims bonus is one of the most valuable tools for keeping insurance costs under control. By understanding how it works and how to protect it, you can make smarter choices when renewing or switching policies.

If you’re looking for our cheapest car insurance in Ireland, we’re here to help. Explore our website to compare quotes and see how much you could save with the right cover in place.

The post How a No Claims Bonus Can Lower Your Car Insurance Costs first appeared on Insure My Cars.

Why Should You Compare Car Insurance?

When you compare car insurance options in Ireland, you’re not just finding a policy; you’re finding peace of mind on the road. Here’s why:

1. You’ll save money

Why pay more when you can pay less? By comparing quotes, you can pocket the savings without sacrificing coverage.

2. You’ll get tailored protection

Your insurance should fit like a glove, tailored to your driving habits and lifestyle. When you compare different types of car insurance, you’re in the driver’s seat, choosing the coverage that suits you best.

3. You’ll get access to discounts

Who doesn’t love a good deal? By shopping around, you may uncover hidden discounts and special offers, putting more money back in your pocket. Many insurers offer discounts for things like safe driving records, bundled policies, and loyalty.

4. You’ll identify other benefits

It’s not just about the basics. Beyond basic coverage, some policies offer additional perks such as roadside assistance, rental car reimbursement, and accident forgiveness. Comparing types of insurance policies helps you to find great coverage with added benefits.

What Types of Car Insurance is Available?

Navigating the maze of insurance policies can feel like driving in rush-hour traffic – confusing and overwhelming. You should have a good understanding of each one to compare car insurance in Ireland. Let’s break it down:

1. Third-Party Only

This type of car insurance is the bare minimum required by law in Ireland. A Third-Party policy covers damages to other vehicles or property in an accident, but it won’t pay for repairs to your own car.

2. Third-Party, Fire, and Theft

Up the ante with Third-Party, Fire and Theft. Alongside third-party insurance, this type of cover protects your car from fire damage and theft. It’s perfect for those who want a little more peace of mind without breaking the bank. That’s why it’s a popular choice for first-time drivers.

3. Comprehensive Insurance

This type of car insurance is the gold standard and most extensive cover available. Comprehensive coverage wraps your car in a protective bubble, shielding it from accidents, theft, fire, and more. Plus, you often get extra goodies like windscreen cover and protection for your personal belongings.

To learn more about all things insurance, Citizens Information have published a great guide to help you along the way!

How to Compare Car Insurance in Ireland

When it comes to finding the right cover for your car, it’s all about comparing apples to oranges – or in this case, policies to policies. Here’s your roadmap:

1. Coverage Limits and Deductibles

Picture this – you’re in a minor road accident, and your insurance only covers half the repair costs. Ouch! That’s why it’s crucial to check the coverage limits and deductibles of each policy. Make sure they fit your budget and risk tolerance like a snug seatbelt.

2. Price and Discounts

Who doesn’t love a good deal? Request quotes from different insurers and don’t be shy about asking for discounts. Whether it’s for being a safe driver, bundling policies, or just for being you, every little helps.

3. Policy Features

Don’t let hidden exclusions or limitations catch you off guard. Delve into the policy features – consider roadside assistance, rental car coverage, and more. Think of it as customising your insurance plan to suit your needs – the more tailored, the better!

4. Customer Service and Claims Process

Imagine this scenario – you’re stuck on the side of the road with a flat tyre. You reach out to your insurer for assistance, but instead of prompt help, you’re greeted with endless hold music. A frustrating situation, isn’t it? Spare yourself the headache by researching insurers’ customer service and claims processes. Opt for providers known for their responsiveness, helpfulness, and efficiency in handling claims.

5. Read Reviews

Think of customer reviews as your trusty sidekick on this insurance adventure. Take a peek at what others are saying about the insurer – their experiences could save you from a potential disaster. Sites like Google Reviews or Trustpilot can be a great place to start.

6. Consult with a Trusted Insurance Broker

Feeling overwhelmed? Don’t worry, that’s what insurance brokers are for. We’re like your personal insurance gurus, ready to guide you through the maze of policies, negotiate the best rates, and save you from a world of headaches. The best part? We do the shopping around for you, so you don’t have to!

Tips for Car Insurance Comparison in Ireland

When diving into the world of comparing car insurance in Ireland, keep these practical tips in mind to streamline your search and maximise your benefits:

1. Provide Accurate Information

Accuracy is key when requesting quotes. Make sure all information you provide is current and precise. Small discrepancies can lead to variations in pricing or coverage, affecting your overall decision.

2. Review Coverage Limits

Take a close look at the coverage limits and exclusions of each policy. Ensure the coverage aligns with your needs and offers sufficient protection in various scenarios, from minor mishaps to major accidents.

3. Check for Discounts

Don’t miss out on potential savings. Inquire about available discounts, ranging from multi-policy discounts to incentives for safe driving or customer loyalty. Taking advantage of these offers can result in significant cost savings over time.

4. Compare Deductibles

Assess how deductibles impact your premiums and out-of-pocket expenses in the event of a claim. While opting for a higher deductible can lower your premiums, it also means shouldering more financial responsibility in case of an accident. Find the balance that suits your budget and risk tolerance.

5. Assess Additional Benefits

Beyond the basics, explore the additional benefits offered by each policy. From roadside assistance to rental car coverage, these perks can add value and peace of mind to your insurance package. Evaluate whether these extras align with your needs and priorities, enhancing the overall value of the policy.

By incorporating these tips when comparing car insurance in Ireland, you’ll be better equipped to navigate the options available. This will help you make an informed decision that meets your coverage needs and budgetary constraints.

The Benefits of a Broker

Choosing the right insurance policy can be overwhelming, but you don’t have to do it alone. At InsureMyCars.ie, our team of experienced brokers is here to help you find the perfect coverage tailored to your needs.

Comparing car insurance policies is a crucial step in securing the right coverage for your vehicle in Ireland. By assessing your needs, comparing quotes, and considering additional benefits, you can find a policy that offers the perfect balance of protection and affordability. Whether you’re a new driver or a seasoned motorist, we’re your go-to motor insurance broker, dedicated to helping you find the ideal coverage for your unique needs. Visit our website today to learn more and start comparing car insurance options tailored to you.

The post Compare Car Insurance in Ireland: Tips and Tricks for Getting the Best Deal first appeared on Insure My Cars.

As leading car insurance brokers in Ireland, we understand the importance of not only finding an affordable car but also one that won’t break the bank when it comes to insurance. Let’s delve into the world of smart choices and savvy driving.

Factors Impacting Car Insurance Costs in Ireland

Before we dive into the specifics of the cheapest cars to insure this year, let’s understand what factors come into play when determining insurance premiums in Ireland. Making an informed choice about the vehicle you drive can significantly impact your insurance costs.

Car Model and Make

The type of car you drive is a key factor. Cars renowned for their safety features, such as advanced airbag systems and anti-lock brakes often receive cheap insurance premiums. Additionally, vehicles with a track record of lower repair costs are favoured by insurance companies. The reasoning behind this is simple – cars that are cheaper to repair result in lower claim amounts, making them more affordable to insure.

Insurers use historical data and statistics to assess risk, and if a specific car model has a pattern of higher claim rates, it’s likely to result in higher insurance costs. Opting for a car with a strong safety profile and economical repair history is a smart strategy for reducing insurance expenses.

Engine Size

The size of a car’s engine plays a crucial role in determining insurance costs. Smaller engines are often associated with lower performance and reduced power, making them less prone to high-speed accidents.

Insurance companies consider smaller engine sizes as indicative of vehicles that are generally driven more conservatively, contributing to a lower risk profile and, consequently, more affordable insurance premiums. Additionally, smaller engines often result in lower repair costs, another factor that influences insurance pricing.

Safety Features

Cars equipped with advanced safety features, like collision avoidance systems and lane assist warnings, show a commitment to minimising accidents. This makes them more appealing to providers of car insurance in Ireland.

The incorporation of such features not only enhances the safety of the vehicle but also signals to insurance providers that the car owner is proactive in mitigating potential risks, resulting in potential discounts and more budget-friendly insurance rates.

Security Features

Security features play a pivotal role in determining insurance premiums, as they directly impact the likelihood of theft or vandalism. Cars equipped with sophisticated anti-theft systems, such as GPS tracking and immobilisers, provide an added layer of protection, reducing the risk of the car being stolen.

Insurance companies often reward these proactive measures with discounts, encouraging owners to invest in security enhancements that not only safeguard their assets but also contribute to more affordable insurance coverage.

Driver’s Age and Experience

Insurance costs are significantly influenced by the driver’s age and experience. This is because young and inexperienced drivers are statistically more prone to accidents, and pose a higher risk for insurers. Opting for a car that’s less expensive to insure becomes a strategic choice for these drivers, helping them to navigate the financial challenges associated with higher premiums until they gain more experience on the road.

Making a wise choice when it comes to choosing a car can serve as a valuable tool for young drivers in managing insurance costs responsibly. Now, let’s take a look at the cheapest cars to insure for first-time drivers Ireland.

10 of The Cheapest Cars to Insure in Ireland This Year

1. Hyundai i10

The Hyundai i10 is a budget-friendly car that excels in fuel efficiency and ease of handling. With its compact size, it’s perfect for navigating busy city streets. Safety features like airbags and stability control contribute to its lower insurance costs.

Additionally, its straightforward design and reliable performance make it a top choice for those seeking affordability without compromising quality. This is our number one choice when considering the cheapest cars to Insure in Ireland.

2. Ford Fiesta

The Ford Fiesta, a long-time favourite, combines style with excellent fuel efficiency. Not only does it offer an enjoyable driving experience, but its safety features and reasonable repair costs make it a cheap car to insure for young drivers in Ireland. The Fiesta’s modern design and advanced technology features further enhance its appeal for drivers seeking a well-rounded and economical option.

3. Toyota Aygo

Did you know that Toyota has consistently ranked among the most popular cars in Ireland for the last number of years? It’s easy to see why! Known for its nimble handling, the Toyota Aygo is a compact car that shines in urban settings. With its efficient engine and compact design, it’s not just easy to manoeuvre; it’s also easy on the wallet when it comes to insurance.

The Aygo’s distinctive design and customizable features add a touch of personality, making it an appealing choice for those looking to express their style while keeping insurance costs low.

Tip: Toyota also offer an excellent range of hybrid cars in Ireland.

4. Volkswagen Polo

The Volkswagen Polo strikes a balance between cost and quality. Renowned for its reliability, modern technology, and a range of safety features, it consistently attracts lower insurance premiums. The Polo’s spacious interior and advanced infotainment system set it apart, providing drivers with a comfortable and enjoyable driving experience without compromising on practicality.

5. Nissan Micra

The Nissan Micra offers a comfortable ride and competitive insurance rates. Its small size makes it ideal for city driving, and its efficient engine contributes to lower overall costs. Beyond its cost-effectiveness, the Micra boasts a well-designed interior, user-friendly technology, and a reputation for durability, making it an attractive option for those seeking longevity and value from their vehicle. This car has always been one of the cheapest cars to insure for first-time drivers Ireland.

6. Skoda Fabia

The Skoda Fabia, a reliable and budget-friendly choice, is known for its practical design and efficient performance. With its compact size and economical engine options, the Fabia is not only easy on the pocket at Irish dealerships but also one of the cheapest cars to insure this year. Its safety features, including airbags and stability control, contribute to making it an affordable choice for insurance.

For young and first-time drivers looking for an economical ride without compromising safety, the Skoda Fabia stands out as a sensible and cost-effective option.

To learn more about the most reliable cars in Ireland, read our blog!

7. Peugeot 108

The Peugeot 108 is a stylish and economical choice for drivers seeking lower insurance premiums. Its compact size and efficient engine make it an ideal city car, navigating traffic with ease. The 108’s chic exterior design and customizable options provide a touch of sophistication, catering to those who want to make a statement on the road without compromising on insurance affordability. This is a great and cheap car to insure for young drivers in Ireland.

8. Renault Clio

The Renault Clio, known for its chic design and practicality, falls within the affordable insurance bracket. Its safety features and sturdy build contribute to making it a cost-effective choice. Beyond its insurance advantages, the Clio stands out with its comfortable interior, user-friendly technology, and smooth ride, appealing to drivers who prioritise both practicality and style in their daily commute.

9. Kia Picanto

The Kia Picanto is a small car that packs a punch in affordability. With cheap insurance costs and features like airbags and stability control, it’s a sensible car choice for budget-conscious drivers in Ireland. Additionally, the Picanto’s modern design, well-built interior, and fuel efficiency make it a reliable companion for those looking to balance cost and quality in their driving experience.

10. Opel Corsa

The Opel Corsa, recognised for its reliability and efficient performance, is a sensible choice for those on a budget. The Corsa’s dynamic handling, spacious interior, and advanced safety features make it an attractive option for those seeking versatility and peace of mind in their daily commute.

Choosing the right car goes beyond the upfront cost. It involves considering long-term expenses like insurance premiums. Each of these 10 cars not only excels in affordability but also safety features, making them smart choices when on the lookout for the cheapest cars to insure in Ireland.

Ready to find the best insurance for your car? At InsureMyCars.ie, you can count on us for a budget-friendly and comprehensive car insurance quote. Visit our website today!

The post 10 Cheapest Cars to Insure in Ireland 2025 first appeared on Insure My Cars.

As per the Central Bank, the average cost of car insurance policies in Ireland stands at €578, which is a notable reduction of €135 compared to 2017. Furthermore, there was a 5% drop in motor insurance premiums during the first half of the previous year, in comparison to 2021.

While the standard advice of shopping around for insurance is widely known, there are additional considerations to take into account when obtaining coverage, particularly concerning insurance add-ons. Insurance companies often offer various add-ons that can enhance coverage, and it’s essential for policyholders to ensure they are included in their policies.

Jonathan Hehir, the Managing Director of InsureMyCars.ie, emphasizes that the necessity of insurance extras varies based on individual circumstances, budget, and risk tolerance. These add-ons differ between insurers and policies, making it vital to compare options and understand their long-term financial implications.

Hehir notes that add-ons extend coverage beyond the basics, catering to specific customer needs. Given the array of options available, selecting the right ones can be challenging for policyholders.

For instance, one popular add-on covers driving other people’s cars, albeit usually limited to third-party coverage. However, this can be costly and might not be available for certain demographics like young drivers.

Another prevalent add-on is windscreen cover, encompassing repair or replacement expenses for a vehicle’s windscreen. While typically available for comprehensive policies, it can be beneficial without affecting no-claims bonuses.

Breakdown assistance is another frequently offered add-on, providing immediate aid in case of vehicle breakdowns. Services like jump-starting, towing, flat tire changes, and fuel provision are often included. This feature is either free or moderately priced on most policies.

Protecting a no-claim bonus is also a common add-on. This assists in maintaining lower insurance premiums, sometimes being offered free of charge. However, there’s usually a cap on the number of claims allowed while retaining the bonus, frequently set at one claim per policy year. Exceeding this limit can impact the no-claims bonus.

Navigating these additional coverage options can be challenging, and prior research is crucial before committing to any extras. Policyholders should thoroughly understand the terms and benefits of add-ons to make informed decisions regarding their car insurance coverage.

Read the entire article in the Irish Examiner.

The post Understanding car insurance add-ons and extras first appeared on Insure My Cars.

Named Driver Meaning

This is a type of insurance that only covers the drivers who are specifically named on the policy. Unlike standard policies, named driver insurance does not cover anyone else who may be driving the vehicle; meaning a driver who isn’t named on the policy won’t be covered, even if they’re driving the vehicle with the owner’s permission.

These types of policies can offer lower premiums than standard insurance, particularly if the driver is named and has a lot of driving experience. It’s important to understand the rules and limitations of named driver insurance before purchasing a policy to ensure that it is the right fit for your needs.

Named Driver Insurance Rules

Before you decide to purchase named driver insurance, it’s important to understand the rules that come with this type of policy. Here are a few important things to keep in mind:

1. Only named drivers are covered

As mentioned earlier, only drivers named are covered by a named driver policy. If someone who is not named on the policy gets into an accident while driving your car, your policy will not cover the damages.

2. Coverage is limited

These types of policies typically offer limited coverage compared to standard insurance policies. This is because the policy is tailored to the specific drivers named on the policy. The amount of coverage you can get will depend on the insurance provider and the policy you choose.

3. Premiums may be lower

One of the benefits of named driver insurance is that the premiums may be lower than standard insurance policies. This is usually the case if the main insurer is a young driver and wants to add a parent, who has a lot of driving experience. This type of case may lower the risk to the insurance company.

Looking for great value car insurance in Ireland? Then we’ve got you covered!

4. Not suitable for all drivers

Named driver insurance may not be suitable for all drivers. A standard policy with Open Drive Insurance extra may be a better option if you frequently lend your vehicle to others or have multiple drivers in your household.

Benefits of Named Driver Insurance

While it may not be suitable for everyone, there are some benefits to this type of policy. Here are a few reasons why you might consider named driver insurance:

1. Lower premiums

As mentioned earlier, named driver insurance premiums may be lower than standard insurance policies. This can be a great way to save money on your insurance.

2. Customisable coverage

Named driver insurance policies are tailored to the specific drivers named on the policy. This means you can choose the coverage amounts and types that are best suited to your driving needs.

3. Less risky

Because these types of insurance policies only cover a limited number of drivers, they’re less risky for insurance companies. This means that they may be more likely to approve your policy and offer lower premiums.

4. Good for occasional drivers

If you only use your car occasionally and are the only driver, this may be a good option. This way, you won’t have to pay for coverage you don’t need.

5. Greater flexibility

Another benefit of this type of insurance is that it may provide greater flexibility in terms of choosing the coverage that is best suited to your driving needs. Because the policy is tailored to the specific drivers named on the policy, you can choose the coverage that you feel is necessary, rather than paying for coverage that you don’t need. This can help you save money on your insurance premiums while still ensuring that you have the coverage you need in case of an accident.

6. Builds individual driving history:

Named driver insurance allows individual drivers to build their own no-claims bonus and driving history. This can be beneficial for future insurance applications and premiums.

7. May offer better terms for young or inexperienced drivers:

Being added as a named driver under a more experienced driver’s insurance policy can sometimes result in more favourable insurance terms. Especially when compared to taking out a policy in their own name. It’s a good idea for young or inexperienced drivers!

Tip for new drivers: Learning to drive? Check out our 11 insider tips for acing your driving test in Ireland!

Named driver insurance is a good option for individuals who are the only drivers of their automobile and want to save money on their policy. Before deciding to purchase this type of insurance, it’s important to understand the rules and limitations of this type of policy. Remember that named driver insurance may not be suitable for everyone. So, be sure to shop around and compare policies to find the one that’s right for you.

At Insuremycars.ie, we shop around for you, so you don’t have to! Plus, we offer discounts for named driving experience, no claims bonus, and more! Get a personalised car insurance quote by visiting our website today.

Powered by EverBold Advertising Agency | Dublin

The post Named Driver Insurance: What You Need to Know first appeared on Insure My Cars.

With family auto insurance, you can also customise each vehicle’s coverage, allowing you to tailor the policy to your family’s specific needs.

Keep reading to learn more about what exactly family vehicle insurance is, the advantages of this type of group coverage, and tips on how to choose the right policy for your family.

What is Family Car Insurance?

Family cars insurance or multi-car insurance is a type of insurance policy providing cover for multiple vehicles within a single policy. It can cover more than one vehicle and is a great choice for those of us who live in a household with multiple cars.

When it comes to protecting your loved ones, family motor insurance is a smart choice. It allows you to get more coverage for less money. With family insurance, you can bundle your household’s cars and get group discounts on your premiums. Your coverage will also be spread across all the vehicles, helping to reduce the risk of financial loss in the event of an accident. The cars you insure under a  family cars policy must be for social, domestic and pleasure use. That means if you have a need for commercial insurance, you’ll need specialised van insurance.

What Are the Advantages of This Type of Auto Insurance For your Family?

Family auto insurance is a great option for your household, offering a range of advantages that go beyond just discounted premiums:

Cost Savings

Family cars bundle is a great way for your household members to stay protected and save money on insurance. Families can benefit from a range of discounts and other perks, including one payment for all cars insured, a no hassle claims process and comprehensive or third-party offerings. Additionally, insurers often offer discounts for families who insure multiple cars, allowing families to save more on their premiums.

Looking for great rates on home insurance too? Read about how you can save on your home insurance.

Simplified Payments

Family car policy allows your household members to insure multiple vehicles together, meaning all cars are covered under one policy. This makes it easier to manage payments, as all premiums can be paid in a single payment rather than under each individual car.

Simpler Claims Process

Another major advantage of family vehicle insurance that the claims process is much simpler and more straightforward. Claims can be made by any of the drivers covered within the policy, ensuring all family members are protected. Plus, all claims are handled by a single insurer, meaning there’s no need to contact different companies or sort out the paperwork.

Great Coverage Choices

Family car insurance also offers drivers the option to choose between comprehensive coverage and third-party insurance. Comprehensive car policy provides drivers with more extensive protection and is a better option if you have expensive vehicles in the family. Third-party insurance is more affordable but provides a more basic coverage that covers damage and injury to other drivers in the event of an accident. It’s a good idea to talk to your family and decide which type of insurance is most suitable. You should consider the costs involved, the value of cars in your household and your family’s lifestyle.

How To Choose the Right Family Car Policy

When it comes to family car policies, they’re an ideal option if you have more than one vehicle in your family. It’s important to choose the right policy, however, as this will ensure everyone is adequately covered. Here are a few key considerations when selecting insurance for your family:

1. Cost

This is always one of the top considerations when searching for any type of insurance. Family auto insurance can often be much more cost effective than taking out separate policies for each vehicle. Much like other types of insurance, you can save money by shopping around. At Insuremycars.ie, we compare various insurers for you, so you don’t have to.

2. Coverage

It’s important to check the coverage offered by the insurer you’re considering. Many family insurance policies offer comprehensive coverage, including medical and liability protection. Some insurers may also offer extras such as breakdown assistance and rental car coverage, so be sure to check the details.

3. Discounts

Many insurers offer discounts for family insurance policies. For example, some may offer discounts for bundling multiple vehicles in one policy or for safe driving. It pays to compare policies and ask potential insurers about any discounts you and your family may qualify for. Here are the top 3 tips to compare policies in Ireland.

4. Claims

One of the most important things to consider is the insurer’s claims process. You want to make sure they have an easy-to-follow process and clear protocols in place so that you can get your claims resolved quickly and efficiently in the event of an accident.

5. Reputation

Finally, you should always check the reputation of the insurer you’re considering. Look for online reviews, ask for references, and do your research to make sure you’re choosing an insurer with a good track record. Insuremycars.ie are proud to offer our customers the best and cheapest insurance quotes in Ireland with huge discounts on multi-car policies.

Overall, family insurance bundles are a great option for families, offering them a range of advantages that go beyond just discounted premiums. It simplifies payments, streamlines the claims process, and provides drivers with a choice of coverage options. If you’re in the market for motor insurance for your family, contact us today for the best value premiums.

You might be interested in finding out which are the 2023’s Best Family Cars in Ireland.

You can also read this blog on how to improve your home security with the best smart video camera doorbell in Ireland.

The post Keep Your Loved Ones Protected with Family Car Insurance first appeared on Insure My Cars.

Luckily, there are a few tips that can help you get the best cheap deal for your first time driver insurance if you’re over 25 in Ireland. Here’s what you should look for when shopping for cheaper motor insurance in Ireland.

Factors Affecting Insurance Pricing in Ireland

The cost of insurance can be quite expensive and can vary dramatically between different drivers. This is because the motor insurance industry in Ireland makes use of several different factors to calculate insurance premiums and determine the cost of coverage. Aside from your driving experience, penalty points check, and convictions, there are other influences affecting insurance pricing. If you’re a first time driver over 25 in Ireland looking for cheap insurance, here are the other factors you’ll need to be aware of:

Age – Young drivers, especially teenagers, are seen as more of a risk by insurers and as such, their premiums tend to be considerably higher than older or more experienced drivers. However, as a first time driver, you may be eligible to avail of a cheaper vehicle insurance premium if you’re over 25 by some insurers in Ireland.

Occupation – Some professions may also be seen as more of a risk and may be charged higher premiums. The occupations that are usually considered higher risk include those that may spend more time on the road than others.

• Insurers may ask about your expected annual mileage too, which can indicate how much wear and tear your car is likely to go through.

Car Type – The age, condition and safety features of your car are considered by insurers when assessing risks. If a car is older, more used, or without the latest safety features, then the policy cost may be higher. Newer, smaller cars will likely be cheaper to insure: see here a top 10 of the cheapest cars to insure in Ireland this year. You may even avail of great discounts on EV insurance! Don’t forget you’ll need to think about installing a home car charger.

Location – Where your car is kept overnight and where it’ll be driven also plays a role in calculating policy pricing. This is because the incidence of theft and accidents may be higher in some areas, than in others.

Level of Coverage Required – If you wish to have a higher level of cover, such as fully comprehensive, then your premium is likely to be higher, given the added benefits you’ll receive. These benefits may include things like breakdown assistance, windscreen cover, and no claims bonus protection etc.

Top Tips for Finding Cheap Insurance for First Time Drivers Over 25

By following these tips, you should be able to get the best cheaper insurance deal as a first time driver over 25 in Ireland:

1. Take a defensive driving course – Taking a defensive driving course can help you become a safer driver, while also lowering the cost of your insurance. Plus, you’ll learn a variety of driving skills that can help you become a safer and more experienced driver.
2. Purchase a newer, smaller car – A smaller car is usually less expensive to insure because it poses less risk. A more modern car is cheaper to insure because it has all the latest safety features, meaning it’s less likely to be involved in a collision or other incident. They’re also more fuel-efficient, and cheaper to maintain and repair. Check out the top 5 cheapest new cars in Ireland this year!
3. Opt for a higher excess on your policy – Increasing the excess on your policy means the insurer will have to pay out less in the event of a claim, so you’ll reduce the cost of your premium. However, there is a risk of you having to pay more out of pocket if you do make a claim. The upside is, as a first time driver over 25, you’ll be able to secure cheaper insurance in Ireland!
4. Ask about a usage-based policy – This type of policy bases your premiums on how much you use your car, so if you are a low-mileage driver, you can benefit from lower premiums. You may be eligible for a discount, so be sure to check with your insurance broker when you’re switching!
5. Consider third-party insurance – Get a quote for both third-party and comprehensive cover to see which is more cost-effective. Depending on the value of your car, it may not be wise to pay the difference you could save on your policy. In simple terms, only pay for the cover you need.
6. Go with a Broker – A broker can use their expertise to shop around and get you the best rate that matches both your needs and budget. So, there’s no need to spend time comparing prices for individual insurers when a broker will do it for you. This can be helpful if you’re a first time driver over 25 looking for cheaper insurance in Ireland.
7. Pay upfront – Most car insurers offer discounts to customers who opt to pay their annual premiums in one lump sum, rather than in monthly instalments. These discounts can range from 5-20%, depending on the insurer, so it pays off to do your research and compare.
8. Consider multi-car policy – Multi-car insurance is a great way to save money on premiums and simplify the process of managing multiple vehicles. Insure my Cars’ multicar discount is specially designed for families, couples with two cars, and car enthusiasts. Learn more about insuring multiple cars.
9. Add an experienced named driver – If you’re a new driver over 25 and on the lookout for the cheapest insurance in Ireland, then having an experienced named driver on your policy may help to lower your premium. This is because adding a second, experienced driver can reduce the risk to your insurer and can often be rewarded with a lower premium.

Now that you’re clued in about the factors affecting  insurance prices, you should be ready to go shopping for your premium. By taking our advice, you’re sure to secure the best, cheaper insurance on the market for first time drivers over 25 in Ireland. And, to increase the security of your car and to provide evidence in case of an incident, it is highly recommended to have installed a good cloud dashcam.

Not sure where to start? Insuremycars.ie offer discounts for named driving experience, no claims bonus, and more! So, get a quote today or call us on 01 231 9332.

Powered by EverBold SEO Services | Dublin

The post What to Look For When Shopping for Cheap Car Insurance for First Time Drivers Over 25 in Ireland first appeared on Insure My Cars.

If you’re on the lookout for an electric SUV in Ireland, you’ve got plenty of great options. Whether you’re looking for something affordable or something luxurious, there’s an electric SUV to suit your needs. We’ve rounded up the top six electric SUVs in Ireland right now so you can make an informed decision when it comes to choosing your new car.

Electric cars and SUVs have become more popular in Ireland over the years, and for good reason. These increasingly popular cars are more environmentally friendly, have lower fuel costs, and are incredibly reliable. Not to mention, electric car insurance can be much more cost-effective! In fact, according to the Central Statistics Office, the number of new electric cars licensed has increased by 81% between 2021 and 2022. To learn more about the benefits of electric cars, visit our website.

However, despite the recent trend, electric vehicles still have their drawbacks. Let’s look at some of the pros and cons of going electric to help you make an informed decision.

The Pros of Going Electric

1. Lowering your carbon footprint. Electric vehicles are much more environmentally friendly than their petrol or diesel counterparts. They use no petrol or diesel, and the electricity used to power them is often produced from renewable sources. This means you can minimize your environmental impact with an electric car.
2. More cost-effective. The cost of an electric car is lower than a petrol or diesel car. They don’t require expensive fuel, the electricity is cheaper than petrol or diesel, and they require no oil changes. Additionally, most electric cars come with tax credits.
3. Reliability. Electric vehicles are incredibly reliable. They rarely require maintenance, and they don’t need to be serviced as often as petrol or diesel cars.

The Cons to Be Considered

1. Limited Range. Electric cars have limited ranges and it can at times, be difficult to find charging stations. This means electric 4x4s may not be suitable for long-distance travel in Ireland and you’d need to consider appropriate stop-offs to recharge throughout your journey.
2. Price. Electric cars can be costly to purchase new. However, there are electric vehicle grants available from the Sustainable Energy Authority of Ireland (SEAI) to help you make the switch to zero emissions.
3. Availability. Electric cars aren’t always widely available. Moreover, in certain rural areas, you may find it more difficult to locate charging points.

Overall, electric SUVs have a variety of pros and cons in Ireland. They are more environmentally friendly and cheaper to operate, but have a limited range and can be more expensive to buy outright. It is important to consider all these factors before deciding to go electric.

Our Top Picks for an Electric SUV in Ireland

1. BMW iX

The BMW iX is a revolutionary electric 4×4 that is sure to make waves in the automotive industry in Ireland. These sleek and stylish cars usher in a new era of EV technology, offering drivers powerful performance, advanced safety features, and cutting-edge design. Its sleek exterior design stands out in any parking lot, while its striking interior is designed to make even the most mundane of journeys a pleasure.

Behind its attractive design, the iX boasts a range of impressive performance features. Its electric powertrain can deliver a maximum of 523 horsepower, allowing for a 0-100 time of just 6.1 seconds. It also boasts a range of up to 413km and features a range of driving modes, including Eco, Sport, and Comfort, so you can adapt to the conditions. Plus, no need to worry about losing car keys around Ireland as with the BMW ix electric jeep, you’ve got access to a digital key via your smartphone!

2. Nissan Ariya

The Nissan Ariya is a sleek, stylish ride giving drivers an exhilarating experience while also helping to reduce emissions and fuel costs. The Ariya has an advanced all-wheel drive system with powertrain differential control, giving drivers maximum control and stability no matter the terrain. This SUV is packed with state-of-the-art technology, including ProPilot Assist and NissanConnect.

The Nissan Ariya is an impressive electric SUV, sure to turn heads wherever it goes in Ireland. With a range of up to 532km and fast charging abilities, it’s a car designed to revolutionize your driving experience. Plus, with its zero-emission drivetrain, you can feel good knowing you’re doing your part to help reduce carbon emissions.

3. Kia EV6

With the shift towards electric vehicles being a top priority for automakers, Kia is taking the lead with their new EV6 model. The Kia EV6 is an all-electric, 5-door crossover that gives consumers a new level of performance and efficiency. It allows for faster charging times, with an 80% charge in as little as 45 minutes when used with a 350-kW charger. If you’re worried about losing your keys in Ireland, don’t: The Kia EV6 electric jeep comes with an extra key.

The Kia EV6 is sleek and modern, with its low-slung profile, slim headlights, and muscular proportions. With a range of up to 527km, this is one to consider if you’re looking to buy an electric SUV this year in Ireland.

4. Audi Q4 e-tron

The Audi Q4 e-tron is a revolutionary electric SUV that combines style and performance with eco-friendly efficiency. With a range of up to 385km, the Q4 e-tron offers an impressive range for an electric vehicle in its class. It also boasts a luxurious interior and plenty of advanced technology features.

The Q4 e-tron is powered by two electric motors with a combined output of up to 199 kW. This allows the SUV to achieve 0-100 in a staggering 6.9 seconds and a top speed of 180 km/h. Overall, the Audi Q4 e-tron is the perfect combination of style, performance, and efficiency.

5. Peugeot E-2008 Active

The Peugeot e-2008 Active is an electric SUV that is designed for family drivers in Ireland who want the benefits of an electric car but with more space. This vehicle has an impressive range of up to 255km and features a 45kW battery. The vehicle is equipped with one of the most advanced safety systems on the market, offering a range of driver assistance functions such as automatic emergency braking, lane keep assist and active cruise control.

The battery can be recharged quickly and provides a long-range, ensuring that you can get to your destination without having to worry about running out of power.

6. Opel Mokka-e

If you’re looking for an electric SUV that blends luxury and convenience with an affordable price tag in Ireland, then the Opel Mokka-E is a perfect choice. Combining all the benefits of having a high-end car with the practicality of a hatchback, the Mokka-E takes the best aspects of both, offering a comfortable and stylish ride that won’t break the bank.

One of the Mokka-E’s best features is its incredible value for money. It offers an impressive 340 km in range, meaning you won’t have to worry about running out of power while on the go. The car is equipped with lane-keeping assistance, rear-view cameras, blind-spot monitoring, and adaptive cruise control – all of which provide additional peace of mind when driving.

If you’re looking for an electric SUV in Ireland, you’ll have plenty of options to choose from. The six electric SUVs listed here are all great options, and they’re sure to please any driver in Ireland looking for a reliable and stylish ride. Check out these blogs if you want to know more about the electric cars with the longest range or the best electric SUV in Ireland in 2023.

You might also be interested in finding out which are the 2023’s Best Family Cars in Ireland.

Once you’ve made up your mind, don’t forget you’ll need great value car insurance, so be sure to visit Insuremycars.ie.

Powered by EverBold Digital Marketing Agency | Dublin

The post Sustainable And Stylish: The Top 6 Electric SUVs in Ireland Right Now first appeared on Insure My Cars.

Host Pat Kenny: A recent study revealed that motorists could be paying more than three hundred euro too much for their insurance. The study revealed that misplaced loyalty was driving up premium prices and suggested that if road users shopped around, they could almost half the yearly charge. Now joining me for some tips on saving on your car insurance is Jonathan Hehir, Managing Director of insuremycars.ie. Jonathan, good morning and welcome.

Guest Jonathan Hehir, Director: Morning thank you.

Host Pat Kenny: It seems incredible that people would pay too much. So, how does that come about that people just cough up when they get the invoice?

Guest Jonathan Hehir, Director: One of the things we’ve noticed recently is that people are comfortable renewing their policy if they have a reduction on the previous year.

Host Pat Kenny: So, they get a ten-euro reduction, they say “Bingo, it’s gone down!”

Guest Jonathan Hehir, Director: So, they’re happy with this and they feel they’ve got a good deal but if they were to shop around, they would get a much better deal. So, the cases that we use in those examples were all people who moved from one insurance company to another insurance company and in every case that we come across the biggest savers are people who change from one insurer to another insurer. Some people might try and haggle or negotiate or change their details to reduce their cover with their own insurer, but you still won’t save as much money as you would if you were to shop around.

Host Pat Kenny: Does it mean insurers are actually doing lost leaders? In other words, get you on board. I thought that wasn’t allowed anymore.

Guest Jonathan Hehir, Director: No, they don’t but what happens is that possibly the insurance company that was best for you last year might not be the best insurer for you this year. So, examples that I just did very quickly this morning, a renewal last year – four hundred and eighteen euros, this year the same insurance company – three hundred and sixty eight euros, but by moving insurance company the premium is three hundred and ten euros. Ehm and that’s a saving there of… so the customer is getting comfortable because they have a fifty euro saving on last year.

Host Pat Kenny: They could’ve made a hundred euro saving.

Guest Jonathan Hehir, Director: Exactly, by making a few phone calls they would’ve got that hundred euro saving.

Host Pat Kenny: So, how competitive is the market out there? I mean are… you know there used to be the impression given, “Ah sure we’re losing money, we’re only making money on our investments god love us, but we don’t make any money on the underwriting.” That’s clearly not so.

Guest Jonathan Hehir, Director: No and that’s changed a lot in recent years. So, we have new person entry guidelines out there. I feel that there’s competition with insurance companies out there to get business and the only way that you will… sorry car drivers, will get that saving is by finding the right insurer for you and you do need to do it every year. So, for all the different things you can do to bring your price down… I know I’m repeating myself, it’s shopping around, finding the right insurer for you. It can half your price. So, a five-minute search on our own system this morning, I found cases where people’s premiums were going from a thousand euro to five hundred euro by us, as the broker, moving them from one insurer to another insurer.

Host Pat Kenny: Now, the people, sometimes they insure direct… they go direct to the insurance company and other times they use a broker. Ehm, I’m always fond of using brokers because if you have a problem, the broker will handle much of the fall out.

Guest Jonathan Hehir, Director: They will and also brokers are much better able to deal with cases like ehm, for example, we have a backlog in NCT’s at the minute. So you go to an online insurer, you put in your car details, and it says, “okay sorry your NCT is out by three months, we’re not going to offer you a quote”. A broker will be, by speaking to you, be able to say, “Have you booked it in to the NCT centre?”, “I have”, “Send me a screenshot” and then we would speak to the insurance company on behalf of you and say “It’s booked in. This is the soonest date they can get” and the insurer will allow us then to proceed and override the system and give you a quote.

Host Pat Kenny: So then, you guys have direct access as the brokers, that’s the way it works.

Guest Jonathan Hehir, Director: Yes.

Host Pat Kenny: You can pick up the phone and get somebody whereas the rest of us “Please press one or two or three or four, there is a queue, dah, dah, dah, dah.”

Guest Jonathan Hehir, Director: Or “computer says no”- that would be the most common one, when the computer says no. Whereas we will have access to people in authority who we can explain to them your circumstances and give the reasons why your NCT may be out of date and then we can override the system.

Host Pat Kenny: Now ehm ways in which people can save irrespective of moving or not – ehm a number of them, and you might comment on each of them. Taking on an excess.

Guest Jonathan Hehir, Director: Okay so some people are more comfortable with a higher excess on their policy. So, your current policy may be a hundred-euro excess, but you look at another insurer where the excess is two hundred and fifty euros on your policy, it may reduce your premium down by choosing to take the higher excess.

Host Pat Kenny: Yeah and people might do that for example, typically when they hire a car.

Guest Jonathan Hehir, Director: Yeah.

Host Pat Kenny: They’ll undertake an excess in order not to pay a lot more per diem for the car. Okay another one – experience. Suppose you’re a named driver, does that make any difference when you’re going for your own insurance?

Guest Jonathan Hehir, Director: It makes a huge difference for young drivers. So, we would see a clear path for younger drivers to get lower cost insurance is if it’s possible to get named on your parent’s policy, when you’re starting out, to do so. If you can build up a documented experience to show you have the one- or two-years’ experience before you take out your own insurance. Maybe pass your test during that period as well. That will reduce your premium and it could be again, that could be a fifteen hundred euro saving by having that driving experience.

Host Pat Kenny: For that parent, who did that favour for the offspring by putting them on their policy. Then the offspring has fled the nest, is driving on their own policy, perhaps an employer’s policy but they’re not on the parent’s but the parents forget to take the named driver off the policy.

Guest Jonathan Hehir, Director: They do and the systems when you get your renewal notice in the post won’t automatically take that person off so you’re going to get the premium back even if that person hasn’t driven the car in twelve months. So, it’s another reason why you should speak to somebody at your renewal period because they will review the details with you and in so many times, we will get told they haven’t driven the car for twelve months and we say, “Look let’s just take them off the policy”.

Host Pat Kenny: The kind of policy you can go for, comprehensive or you can get the basic, which is third party fire and theft. If you’re driving a banger, comprehensive… might… be a bit pointless.

Guest Jonathan Hehir, Director: And then if you’re going to put a comprehensive claim in, it’s going to affect your premium the following year so you’re not going to save money. So, the value of the car and affordability will normally dictate whether you choose comprehensive or third-party fire and theft.

Host Pat Kenny: Now what about discounts? Are there discounts available for any categories of people.

Guest Jonathan Hehir, Director: So, adding a driver onto your policy can often reduce your premium down. So…

Host Pat Kenny: That seems counterintuitive.

Guest Jonathan Hehir, Director: It does… but the insurance companies have built sort of an algorithm that will show that having two drivers on the policy will, may reduce it. Other insurers, by the way, will charge for having another driver on the policy. So, it’s horses for courses and finding the right insurer for you will save you money. But if you can… if you have your partner on the car for example, in a lot of cases, that will reduce your premium.

Host Pat Kenny: Now what about when you have two cars, maybe two drivers, can you get a joint policy that will give each one the right to be properly insured and reduce the premium?

Guest Jonathan Hehir, Director: No, but in 9 out of 10 cases if you have two people, two cars and you tell the insurance company that you both have a car you’ll get a discount for having a second car in the family. It doesn’t necessarily have to be with the same insurer, but if you have two cars in the family, it does reduce the price down… on both policies.

Host Pat Kenny: So finally, Jonathan you reckon that virtually everyone when renewal time comes, can save a few bob?

Guest Jonathan Hehir, Director: Apart from the absolute most perfect case with the perfect insurer, everybody else will save money if they shop around and I believe talking to a broker will be the best way to save money.

Host Pat Kenny: Jonathan Hehir, Managing Director of Insuremycars.ie. Thank you very much.

The post Save On Motor Insurance – Newstalk Podcast with Pat Kenny and Jonathan Hehir, Insuremycars Director first appeared on Insure My Cars.

The good news is that you can insure multiple cars in Ireland. There is no legal limit on how many vehicles you can insure, as long as each one is properly covered.

At InsureMyCars.ie, we help drivers compare multi-car insurance options that are simple, flexible, and cost-effective. In this guide, we break down how it works and what you need to know before adding a second vehicle.

In this article, we’ll answer the following questions:

• How many cars can I insure?
• What are the benefits of multi-car insurance?
• Is it cheaper to add a second vehicle to your insurance?
• Can you be the main driver on 2 cars?
• Who is multi-car insurance for?
• Can you insure two cars in Ireland?
• Is it cheaper to insure a second car compared to a separate policy?

Can You Insure Multiple Cars in Ireland?

Yes, you can insure more than one car in Ireland. There is no limit on how many cars you can own or insure. However, each car normally requires its own insurance policy.

What changes is how those policies are managed. This is where multi-car insurance becomes useful. It allows you to keep multiple policies under one insurer, making everything easier to manage.

So, if you are still asking how many cars can I insure?, the simple answer is as many as you need, as long as each vehicle has valid insurance.

Read our guide on how to insure a second car in Ireland.

What is Multi-Car Insurance?

Multi-car insurance is a type of arrangement where more than one vehicle is insured with the same provider. Each car still has its own cover and details. However, everything is managed under one insurer, which helps simplify administration.

This option is often used by families or households with more than one vehicle. It is also common for people who are insuring a second car for commuting, family use, or general day-to-day driving.

Who is multi-car insurance for?

Multi-car insurance is suitable for a wide range of drivers. Especially those wondering how to insure a second car in Ireland simply and cost-effectively.

• Families with more than one car
• Couples with two vehicles
• Households with multiple drivers
• People adding a second car to their home

It works best when all vehicles are kept at the same address and used for personal or commuting purposes.

The Benefits of Multi-Car Policy

Multi-car insurance offers several practical benefits. In many cases, insurers offer discounts on additional vehicles. For example, some providers offer around 10% off the second and subsequent car policies within the same household. Here are some more benefits to consider:

• Easier management with one insurer

• Less paperwork and fewer renewal dates
• Potential savings compared to separate policies
• Better organisation of multiple drivers
• Flexible cover options for different vehicles
• Open drive options

For many drivers, convenience is the biggest advantage. Everything is handled in one place, which makes ongoing management much easier.

Visit RSA for some helpful resources for young and learner drivers.

Is it cheaper to add a second vehicle to your insurance?

In many cases, yes. It can be cheaper to insure multiple cars with the same provider rather than taking out separate policies.

However, because pricing varies widely between insurers, it is always worth comparing options before deciding.

The CCPC advises that the insurance market changes regularly. They also note that shopping around can help you find better value and the right level of cover for your needs. At Insure My Cars, we do the shopping around for you. We help you find suitable car insurance options from a range of providers. This is especially useful when adding a second vehicle, as pricing can vary significantly between insurers.

Can I insure 2 cars in Ireland?

If you are wondering how to insure a second car in Ireland, there are two main options.

You can either:

• Add the second car to a multi-car insurance arrangement
• Or take out a separate policy for the second vehicle

Most people choose multi-car insurance because it keeps everything under one provider and is often easier to manage.

Best way to insure a 2nd car

The best way to insure a 2nd car depends on your situation.

A multi-car setup usually works best if:

• Both cars are kept at the same address
• You want simple, combined management
• You are looking for potential cost savings

If the second vehicle is used for business or commercial purposes, a separate specialist policy may be needed.

Can I be the main driver on 2 cars?

Yes, you can be the main driver on more than one car. Each policy must clearly show who the main driver is and who the named drivers are. This helps insurers set the right price for your cover.

In most cases, you can only use your no-claims bonus on one car. Your second car will usually start building its own no-claims bonus over time as you drive claim-free.

Is multi-car insurance always the best option?

Not always. While it works well for many households, it is not suitable in every situation.

It may not be ideal if:

• Cars are kept at different addresses
• One vehicle is used for commercial purposes
• Drivers have very different insurance profiles

It is always worth comparing options before deciding.

Key takeaway

To sum it up, you can insure as many as you need, as long as each car is properly covered.

Multi-car insurance makes managing multiple vehicles easier and can often reduce overall costs. It is a practical option for many Irish households.

At InsureMyCars.ie, we help drivers compare options and find the right cover without unnecessary hassle.

For specialist van insurance, visit our partner company InsureMyVan.ie, Ireland’s first dedicated van insurance broker.

The post How Many Cars Can I Insure? All You Need to Know About Insuring Multiple Cars first appeared on Insure My Cars.